CN112070603A - Grading card model, configuration system thereof and grading processing method - Google Patents
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Abstract
The invention provides a scoring card model, a configuration system thereof and a scoring processing method, wherein the configuration system comprises a primary configuration module which is used for configuring scene types, including new construction, deletion and modification of the scene types; the second-level configuration module is used for configuring scoring card model information under the selected scene type, and the scoring card model information comprises creation, deletion and modification of a scoring card model; the third-level configuration module is used for configuring module information of the selected scoring card model, including module addition, deletion and modification; the four-level configuration module is used for configuring the index information of the selected module, including the addition, deletion and modification of indexes; and the five-stage configuration module is used for configuring the score parameters of the selected indexes according to the index types, and the score parameters comprise index values and corresponding score values. The scoring card model is obtained through configuration based on actual requirements, so that the workload of model development is remarkably reduced; the method can be more conveniently suitable for adjusting the later model.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a scoring card model, a configuration system thereof and a scoring processing method.
Background
The Puhui financial accurate landing Hei small and micro enterprises become one of the vigorously pushed work of governments. Under the big background, the scientific and technological system is not only a carrier of the wind control model but also a support of the business process; the mouse mode is used for replacing manual tactics, so that credit risk pricing can be effectively solved, the labor cost of a single client can be continuously reduced, the operation risk of personnel can be rigidly controlled, and the purposes of cost reduction and efficiency improvement are achieved.
The scoring card model is used as a plate in the whole general financial platform system, and the conventional scoring card model is a weighted sum of mapping scores of various indexes, such as: specific service index values, mapping score functions, weighting factors, and the like. After the model is on-line, it may generally run for a while, but as time goes on, the business situation may change to some extent, so the model needs to be subsequently tuned and maintained. Conventional scorecard models are custom developed, consolidated, unalterable in the meaning of parameters, often requiring re-development if there is a change in the meaning of an index or a threshold, etc.
Disclosure of Invention
The invention provides a scoring card model, a configuration system thereof and a scoring processing method, which mainly solve the technical problems that: the conventional bisection model is based on customization and is inconvenient for later optimization maintenance.
In order to solve the above technical problem, the present invention provides a configuration system of a score card model, comprising:
the first-level configuration module is used for configuring scene types, including new construction, deletion and modification of the scene types;
the second-level configuration module is used for configuring scoring card model information under the selected scene type, and the scoring card model information comprises creation, deletion and modification of a scoring card model;
the third-level configuration module is used for configuring module information of the selected scoring card model, including module addition, deletion and modification;
the four-level configuration module is used for configuring the index information of the selected module, including the addition, deletion and modification of indexes;
and the five-stage configuration module is used for configuring the score parameters of the selected indexes according to the index types, and the score parameters comprise index values and corresponding score values.
Optionally, the scene type includes at least one of tax credit, invoice credit, hotel credit, cigarette merchant credit, mortgage credit and credit.
Optionally, one loan product corresponds to one scoring card model.
Optionally, the score card model information includes a model name, a model code, a base score, a version number, enable/disable, and description information.
Optionally, the module information includes a module ID, a module name, a module code, a weight, and necessary/unnecessary.
Optionally, the index information includes an index ID, an index code, an index name, a version, an index classification, a module to which the index belongs, an index type, a weight, a necessary/unnecessary, and an enable/disable; the index types comprise a continuous type, a name word type and an ordered type.
Optionally, the five-stage configuration module is configured to, when the index type is a noun type or an ordered type, enable the score parameter to only include an index value and a corresponding score value; when the index type is a continuous type, the score parameters include an index initial value, an index end value, and a corresponding initial score value and an end score value.
The invention also provides a grading card model configured by the grading card model configuration system based on any one of the grading card models.
The invention also provides a method for grading treatment based on the grading card model, which comprises the following steps:
acquiring all index values to be detected of the scoring card model;
aiming at the configured necessary indexes, judging whether the index value to be detected is missing or not;
if yes, determining that the module corresponding to the missing index value to be detected is abnormal, returning an abnormal state code, and directly returning a scoring result as 0 or finishing scoring calculation;
if not, calculating a module score value based on each index value to be measured and the weight corresponding to each index;
calculating the final score value of the score card model based on the score values of the modules, the weights corresponding to the modules and the basic score values; if the index value to be detected is determined to be missing, the default value corresponding to the index is used as the index value to be detected.
Optionally, the obtaining of all to-be-detected index values of the score card model includes: and acquiring all to-be-detected index values in the starting state in the scoring card model.
The invention has the beneficial effects that:
according to the scoring card model and the configuration system thereof and the scoring processing method, the configuration system comprises a primary configuration module which is used for configuring scene types, including new construction, deletion and modification of the scene types; the second-level configuration module is used for configuring scoring card model information under the selected scene type, and the scoring card model information comprises creation, deletion and modification of a scoring card model; the third-level configuration module is used for configuring module information of the selected scoring card model, including module addition, deletion and modification; the four-level configuration module is used for configuring the index information of the selected module, including the addition, deletion and modification of indexes; and the five-stage configuration module is used for configuring the score parameters of the selected indexes according to the index types, and the score parameters comprise index values and corresponding score values. The scoring card model is obtained through configuration based on actual requirements, so that the workload of model development is remarkably reduced; the method can be conveniently suitable for adjustment of a later model, including index meaning change, newly added parameters, threshold adjustment and the like.
Drawings
Fig. 1 is a schematic structural diagram of a configuration system of a score card model according to a first embodiment of the present invention;
fig. 2 is a schematic view of a scene type configuration interface according to a first embodiment of the present invention;
FIG. 3 is a schematic diagram of a model configuration interface according to a first embodiment of the present invention;
FIG. 4 is a schematic diagram of a module configuration interface according to a first embodiment of the present invention;
FIG. 5 is a schematic diagram of an index configuration interface according to a first embodiment of the present invention;
FIG. 6 is a diagram illustrating an index screening interface according to a first embodiment of the present invention;
FIG. 7 is a first score configuration interface according to a first embodiment of the present invention;
FIG. 8 is a second schematic view of a score configuration interface according to a first embodiment of the present invention;
FIG. 9 is a diagram illustrating a second embodiment of the scoring card model;
FIG. 10 is a flowchart illustrating a scoring method according to a third embodiment of the present invention;
FIG. 11 is a flowchart illustrating the calculation of the index score of the essential modules according to the third embodiment of the present invention;
FIG. 12 is a flowchart illustrating the calculation of the index score of an optional module according to a third embodiment of the present invention;
fig. 13 is a schematic view of a score calculating process of the score card model according to the third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail with reference to the following detailed description and accompanying drawings. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The first embodiment is as follows:
the embodiment provides a configuration system of a scoring card model, which realizes the scoring card model in a configuration mode, can remarkably reduce the workload of model development, and can conveniently adapt to the adjustment of a later model. Referring to fig. 1, the configuration system mainly includes:
a first-level configuration module 11, configured to configure a scene type, including new creation, deletion, and modification of the scene type; the scene types corresponding to different scoring card models may be different, so the system can establish different scene types according to the scoring card conditions to adapt to different scoring card models; and based on actual requirements, operations such as new creation, deletion, modification and the like are carried out.
The scene type selection is selected according to the product types, for example, tax loan is applicable to loan products of all tax scene classes, invoice loan is applicable to loan products of all invoice scene classes, hotel loan is applicable to loan products of all hotel scene classes, and the like. Referring to FIG. 2, scene types include, but are not limited to, tax credits, invoice credits, hotel credits, cigarette merchant credits, mortgage credits, and credit credits; the specific choice can be flexible, and this embodiment does not limit this.
The realization of the selection of the scene type is distinguished according to the configuration table of the scene product and the scoring card model in the scene management, and the scene type can be managed in a mode of directly increasing the configuration table when the scene type is increased in the later period.
And the secondary configuration module 12 is used for configuring scoring card model information under the selected scene type, wherein the scoring card model information comprises creation, deletion and modification of a scoring card model. In this embodiment, one loan product corresponds to one score card model.
Under different scene types, all scoring card models suitable for the scene types exist, for example, under a tax loan scene type, tax loan related products of different banks exist, such as tax-rich loan of the Fumin bank, and bank tax loan of the issuing bank, and the like, and new creation, deletion and modification of the scoring card models are supported. As shown in fig. 3 below.
The scoring card model information includes model name, model code, base score, version number, enable/disable, description information.
And the third-level configuration module 13 is used for configuring module information of the selected scoring card model, including module addition, deletion and modification.
Referring to fig. 4, the module information includes a module ID, a module name, a module code, a weight, and necessary/unnecessary. In the system, a model is composed of one or more modules, and according to the model list in fig. 3, the module configuration under the model can be seen by clicking a detail button, the weights of different modules may be different, and the module necessary state and the module unnecessary state are defaulted to the necessary state.
And the four-level configuration module 14 is configured to configure the index information of the selected module, including new addition, deletion, and modification of the index.
The model is composed of one or more modules, and the modules are composed of one or more indexes. Different indexes have different weights, the module is in a necessary state and an unnecessary state, and the indexes are in a necessary state and an unnecessary state. As shown in fig. 5.
The index information comprises an index ID, an index code, an index name, a version, an index classification, a module to which the index belongs, an index type, a weight, a necessary/unnecessary and an enabling/disabling function; the index types comprise a continuous type, a name word type and an ordered type.
When the indexes are configured, the required indexes are selected according to the model, and all the enabled indexes are displayed by default. When the index is selected, the index can be screened according to three screening conditions of the index code, the index name and the service classification. As shown in fig. 6.
A five-level configuration module 15, configured to configure the score parameters of the selected index according to the index type, where the score parameters include index values and corresponding score values.
After selecting the desired index, the index score value is then configured. In this embodiment, the indicators are classified into Continuous type Continuous, noun type Nominal, and ordered type Ordinal. When the index score is configured, different configuration windows can be popped up according to different types. As shown in fig. 7 to 8 below, when the index type is noun Nominal or ordered, the score parameter includes only the index value and the corresponding score value; when the index type is Continuous type continuos, the score parameters include an index initial value, an index end value, and a corresponding initial score value and an end score value.
For the case that the index segment configuration cannot fully cover the domain, default configuration may be used, that is, when the index value is not in the configured interval, the score under the default configuration of the user is taken.
The index start and end values to the start and end scores are calculated as follows:
for convenience of representation, the index values start and stop are represented by x0 and x1, the score values start and stop are represented by y0 and y1, and the index final score is represented by y.
In the Continuous continuos type, when the upper limit or the lower limit of the index is infinite, the infinite is represented by ± lnf, and when one of the start value or the end value of the index is input as + lnf or-lnf, the start value score and the end value score are the same as each other, and the start value score may be obtained as y 0.
If either the start value or the end value of the index is default, both of them must be default at the same time, and the start value score and the end value score are mandatory to be the same, and the start value score may be taken, where y is y 0.
If the index value is not in the configured interval or default, the default score is adopted, and the default score is 0.
If the index type is Continuous and does not belong to the above case, then:
1) if x1 is x0, then the mandatory requirement y0 is y1, and the index score y is y0
2) If x1 ≠ x0, then linear interpolation is employed, which is calculated as follows in equation 1:
the scoring card model is a plate in the whole general financial platform system, and the configuration system provided by the embodiment realizes the configuration-based quantitative model in a modularized mode. A quantization model is here meant in an abstract sense, applicable to any type of data. The configuration system supports a plurality of models established by scoring card technologies widely applied to the financial field, such as standard scoring cards based on logistic regression, expert scoring cards, analytic hierarchy process, scoring cards based on weight optimization and the like.
The configuration system provided by this embodiment hierarchically integrates the entire rating card model, organically combines indexes, customized parameters, modules, thresholds, rating functions, and the like in the system, and finally realizes the rating card model in a configuration manner. Meanwhile, the system can multiplex and derive the bottom-layer service indexes, and has better support for possible situations such as parameter adjustment, index change and the like in the future.
Based on the score card model implemented by the configuration system provided by the embodiment, the wind control preliminary screening model of the bank can be preposed to SaaS (Software-as-a-Service) cloud Service, and a quantitative evaluation model is implemented in a configurable manner; layering the models, introducing concepts such as modules and indexes based on weight values, and being suitable for services in various forms such as credit prediction and scoring cards; based on the configuration, the development workload of model maintenance and updating is reduced.
Example two:
in this embodiment, on the basis of the first embodiment, a scoring card model configured by the configuration system according to the first embodiment is provided, please refer to fig. 9, where the model is mainly composed of one or more modules, and different modules have corresponding weights; one module is composed of one or more indexes, and different indexes have corresponding weights; the modules are divided into necessary modules and unnecessary modules, and the indexes are also divided into necessary indexes and unnecessary indexes. When the scoring is calculated, the corresponding numerical value of the necessary index cannot be lost, otherwise, the scoring result is directly returned; if the numerical value corresponding to the unnecessary index is missing, the default value of the unnecessary index can be adopted for substitution, and the score value of the module is calculated based on the index value and the weight of the next index of the module; and then calculating the final score value of the scoring card model based on the score values of the modules, the corresponding module weights and the basic score.
As shown in fig. 9, in calculating the model score, the dependent data are each valid module score and index score, each module weight and each index weight, the module score is obtained by weighted summation of the indexes, the weighted summation of the module scores, and the basic score is added to obtain the final score of the model.
Example three:
in this embodiment, on the basis of the second embodiment, a method for performing scoring processing based on a scoring card model is provided, please refer to fig. 10, and the method mainly includes the following steps:
s101, obtaining all index values to be measured of the scoring card model.
In this embodiment, the index in the enabled state may be obtained, and the index in the disabled state may not be obtained.
S102, judging whether the index value to be measured is missing or not aiming at the index configured as necessary. If yes, go to step S103; if not, go to step S104.
S103, determining that the module corresponding to the missing index value to be detected is abnormal, returning an abnormal state code, and directly returning a scoring result as 0 or finishing scoring calculation.
And S104, calculating module score values based on the index values to be detected and the weights corresponding to the indexes.
S105, calculating the final score value of the scoring card model based on the score values of the modules, the corresponding weights of the modules and the basic score values; if the index value to be detected is determined to be missing, the default value corresponding to the index is used as the index value to be detected.
In the process of using the score value of each index value calculation module, whether the index belongs to a necessary module or a non-necessary module needs to be considered. If it is "necessary module", the index calculation logic, referring to FIG. 11, includes:
acquiring state codes of all indexes;
judging whether all the index state codes are normal, namely whether the index state codes are 000000, if so, returning to the module state code of 000000, and performing module total score calculation;
if the index status code is abnormal, namely the index status code is not 000000, judging whether the necessary index and the unnecessary index are both missing, if so, returning to the module status code 334022, and stopping the calculation of the score by the module;
if only necessary index is missing, module status code 334024 is returned, and the module terminates score calculation;
if only the unnecessary index is missing, the module status code 334020 is returned, and the missing index value is replaced by the default index value configured in the score card model.
If the indicator belongs to an "unnecessary module", then the indicator calculation logic, as shown in FIG. 12, includes:
acquiring state codes of all indexes;
judging whether the index state code is normal, namely whether the index state code is 000000, if so, returning to the module state code of 000000, and performing module total score calculation;
if the index status code is abnormal, namely the index status code is not 000000, judging whether necessary indexes and unnecessary indexes are missing or not, if so, returning to the module status code 334023, and stopping the calculation of the score by the module;
if only necessary indexes are missing, the module is marked as a missing module, a module status code 334025 is returned, and the module terminates score calculation;
if only the unnecessary indexes are missing, the module status code 334021 is returned, and the values of the missing indexes are replaced by the default values of the indexes configured in the score card model.
The module score to score card final score calculation process, as shown in fig. 13, includes:
acquiring state codes of all modules;
judging whether all the module state codes are normal, namely the module state codes are 000000, if so, returning to the scoring card state code 000000, and performing model total score calculation;
if the module status code is not 000000, judging whether necessary modules and unnecessary modules are missing, if so, returning to 334030 the status code of the scoring card, and stopping the score calculation of the scoring card with a score of 0;
if the necessary module and the unnecessary module are not missing, judging whether the necessary module is missing only or not, if the necessary module is missing only, returning a scoring card state code 334031, and stopping the scoring card to calculate the score, wherein the score is 0;
if not, determining whether only the unnecessary module is missing, if so, returning to the scoring card status code 334032, and adjusting the weight of the remaining non-missing modules, i.e., re-assigning the weight of the missing module to the remaining non-missing modules. The weight redistribution formula is as follows:
first, the sum of all module weights x1+ x2+ x3 is calculated as a, a being typically 1, but may not be 1.
If a plurality of modules are missing, the weights of all the missing modules are combined and then calculated. Let x3 be the missing module weight sum, then the new x1 is adjusted to: a x1/(a-x 3); similarly, x2 is adjusted to: a x 2/(a-x 3).
It will be apparent to those skilled in the art that the modules or steps of the invention described above may be implemented in a general purpose computing device, they may be centralized on a single computing device or distributed across a network of computing devices, and optionally they may be implemented in program code executable by a computing device, such that they may be stored on a computer storage medium (ROM/RAM, magnetic disks, optical disks) and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, the present invention is not limited to any specific combination of hardware and software.
The foregoing is a more detailed description of the present invention that is presented in conjunction with specific embodiments, and the practice of the invention is not to be considered limited to those descriptions. For those skilled in the art to which the invention pertains, several simple deductions or substitutions can be made without departing from the spirit of the invention, and all shall be considered as belonging to the protection scope of the invention.
Claims (10)
1. A system for configuring a scoring card model, comprising:
the first-level configuration module is used for configuring scene types, including new construction, deletion and modification of the scene types;
the second-level configuration module is used for configuring scoring card model information under the selected scene type, and the scoring card model information comprises creation, deletion and modification of a scoring card model;
the third-level configuration module is used for configuring module information of the selected scoring card model, including module addition, deletion and modification;
the four-level configuration module is used for configuring the index information of the selected module, including the addition, deletion and modification of indexes;
and the five-stage configuration module is used for configuring the score parameters of the selected indexes according to the index types, and the score parameters comprise index values and corresponding score values.
2. The system for configuring a score card model of claim 1, wherein the scene type comprises at least one of a tax credit, an invoice credit, a hotel credit, a smoke trader credit, a mortgage credit, and a credit.
3. The system for configuring a scoring card model as recited in claim 2, wherein one loan product corresponds to one scoring card model.
4. The system for configuring a scorecard model according to claim 1, wherein said scorecard model information comprises a model name, a model code, a base score, a version number, enable/disable, description information.
5. The system for configuring a scorecard model according to claim 1, wherein said module information comprises a module ID, a module name, a module code, a weight, and necessary/unnecessary.
6. A configuration system of a score card model according to any of claims 1-5, characterized in that the index information comprises index ID, index code, index name, version, index classification, module to which the index belongs, index type, weight, necessary/unnecessary, enabled/disabled; the index types comprise a continuous type, a name word type and an ordered type.
7. The system for configuring a scorecard model according to claim 6, wherein said five-level configuration module is configured to, when said index type is noun type or ordered type, include only index value and corresponding score value for said score parameter; when the index type is a continuous type, the score parameters include an index initial value, an index end value, and a corresponding initial score value and an end score value.
8. A scorecard model configured on the basis of a configuration system of scorecard models according to claims 1-7.
9. A method for grading processing based on a grading card model is characterized by comprising the following steps:
acquiring all index values to be detected of the scoring card model;
aiming at the configured necessary indexes, judging whether the index value to be detected is missing or not;
if yes, determining that the module corresponding to the missing index value to be detected is abnormal, returning an abnormal state code, and directly returning a scoring result as 0 or finishing scoring calculation;
if not, calculating a module score value based on each index value to be measured and the weight corresponding to each index;
calculating the final score value of the score card model based on the score values of the modules, the weights corresponding to the modules and the basic score values; if the index value to be detected is determined to be missing, the default value corresponding to the index is used as the index value to be detected.
10. The method according to claim 9, wherein the obtaining of all the index values to be measured of the score card model comprises: and acquiring all to-be-detected index values in the starting state in the scoring card model.
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| CN113516397A (en) * | 2020-12-15 | 2021-10-19 | 天博电子信息科技有限公司 | Venue fire fighting scoring method and system |
| CN115719181A (en) * | 2022-11-24 | 2023-02-28 | 中电金信软件有限公司 | Data quality analysis method and device |
| CN115841275A (en) * | 2022-12-07 | 2023-03-24 | 北京鸿鹄元数科技有限公司 | Physical examination method and device based on AI data management level |
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